nonprofit organization insurance

As a non-profit organization, are we required to pay unemployment insurance for any of the part-time positions? Is there a threshold (hours or total salary) that an employee must meet to be eligible for unemployment benefits? ...The same goes for listed organizations, members will enjoy discounts if they sign-up all together. Most non-profit organizations do not compensate the members for the work they do for the group. However, if they know that they are being ...The Green Family Foundation, a private, non-profit organization, has worked with the Clinton Global Initiative in benefiting Haiti. Just recently, the foundation committed more than $280000 to improving villages and restoring the ...In the early 1900s the first health care prepayment/insurance plan was founded as a nonprofit organization—Blue Cross—by a nonprofit hospital in Texas. Today, nearly 50 percent of people with private health insurance coverage are ...Many insurance companies will offer the coverage but some will only write the “non-profit” market or Not-For-Profit Organizations, Associations, etc. Others will write both classes (“For Profit”, as well) of business and still, ...A new study from PHI, a national nonprofit organization working to strengthen the eldercare and disability services workforce, done in collaboration with Amy Lischko, DSc, assistant professor in the Department of Public Health and ...Individuals, corporate entities, and even non-profit organizations that wish to set aside funds and limit their access to the funds for a period of time often find that fixed deposits are a simple way to accomplish this goal. ...Carper and other designers of weak-assed public options like to say “non-profit” over and over again, as if this were some cure to all the ills of the private insurance industry. This is far from the case: As I wrote back in June: ...To be clear, I think that all but eliminating private health insurance would be a good idea. That said, I'd be really interested to know what Mike Tanner's justification is for saying of the House bill “regardless of how much lipstick they put on this pig, ..... But aren't there already plenty of nonprofit health insurers? I can't imagine that marketing is a huge part of their costs, given that they typically only have to market to companies rather than individuals. ...Yeah, your "Grandpa" paid for his health insurance and care, and he was able to do so on a middle class salary because non-profit insurance companies didn't pay $5000 an hour for CEOs, millions of dollars to board of directors, ...
Since I'm sure maybe three of you have a vague idea of the Baucus plan, Max Baucus has proposed that instead of a government-run healthcare option, we set up a number of non-profit health co-ops that would be independently run. This is actually similar to France's system, which the World Health Organization rated as best in the world.

Under France's system, a number (I believe around 200 there) of non-profit insurers compete with one another. This allows for diversity in plans, as well as still allowing competition to fuel better plans. Removing the profit motive immediately lowers costs, since profit isn't built into pricing. Further, since individual salary for the insurers is still based on size and success of the nonprofit, the incentive to have a well-run company still exists. It is in the best interests of the insurer to have as many customers as possible, and without the profit motive, the best way to do that is by providing the best service as possible at the lowest cost possible. Different companies will offer different plans, and competition remains since there are still a limited number of people in the country.

HOWEVER, there are a few differences between France's situation and ours: First, France exists SOLELY on nonprofits, whereas ours would compete alongside for-profit companies. Second, France has a "Card Vitale", which is basically an extremely streamlined centralized medical database that allows physicians to instantly pull medical and genetic history, insurance information, and even file charges all on one card. This vastly cuts down on administrative costs. Third, French physicians do make less money than their American counterparts, but most would still state that they are well-paid.

So, do you think it is possible that the Baucus plan can survive in America, or will the differences between our system and theirs prove too difficult to overcome?


I think it's an awful idea for a number or reasons

1. There isn't a single government agency or division that runs efficiently; do we really want an organization that developed the U.S. Tax Code handling something as complex as health care?

2. "Free" health care isn't really free since we must pay for it with taxes; expenses for health care would have to be paid for with higher taxes or spending cuts in other areas such as defense, education, etc.

3. Profit motives, competition, and individual ingenuity have always led to greater cost control and effectiveness.

4. Government-controlled health care would lead to a decrease in patient flexibility.

5. Patients aren't likely to curb their drug costs and doctor visits if health care is free; thus, total costs will be several times what they are now.

6. Just because Americans are uninsured doesn't mean they can't receive health care; nonprofits and government-run hospitals provide services to those who don't have insurance, and it is illegal to refuse emergency medical service because of a lack of insurance.

7. Government-mandated procedures will likely reduce doctor flexibility and lead to poor patient care.

8. Healthy people who take care of themselves will have to pay for the burden of those who smoke, are obese, etc.

9. A long, painful transition will have to take place involving lost insurance industry jobs, business closures, and new patient record creation.

10. Loss of private practice options and possible reduced pay may dissuade many would-be doctors from pursuing the profession.

11. Malpractice lawsuit costs, which are already sky-high, could further explode since universal care may expose the government to legal liability, and the possibility to sue someone with deep pockets usually invites more lawsuits.

12. Government is more likely to pass additional restrictions or increase taxes on smoking, fast food, etc., leading to a further loss of personal freedoms.

13. Patient confidentiality is likely to be compromised since centralized health information will likely be maintained by the government.

14. Health care equipment, drugs, and services may end up being rationed by the government. In other words, politics, lifestyle of patients, and philosophical differences of those in power, could determine who gets what.

15. Patients may be subjected to extremely long waits for treatment.

16. Like social security, any government benefit eventually is taken as a "right" by the public, meaning that it's politically near impossible to remove or curtail it later on when costs get out of control.


Hi, I want to start a charitable organization run by youths (students - most of whom are under 18). I want to make it more official and was planning to do an event at my community mall, not just at my school. In order to do an event at the mall, we need insurance coverage. However, we are unsure as to how we can get this coverage. Someone has suggested to make it an official nonprofit organization with the provincial government. Is this what needs to be done? and if it is, how can I do it?


It gives me this list but I don't see Speech language pathology. My major is called Communicative Disorders emphasis in Speech language pathology.

Accounting/C.P.A.
Acting/Directing
Administrative Assistant
Advertising
Aerospace Engineering Technology
Agribusiness
Agriculture
Agronomy
Architecture
Artist
Astronomy
Athletics, Intercollegiate
Atmospheric Science
Automotives
Aviation
Banking
Biomedical Equipment Technician
Broadcast Engineering/Technology
Broadcast News
Broadcasting/Cable Production
Business Management/Administration
Child Care/Day Care/Child Development
Christian Service
Club Management
Coaching
Communications, Wireless
Community Service
Computer Analyst
Computer Programming
Computer Science/Information Technology
Conducting/Band Direction
Conservation
Construction
Cosmetology
Counseling
Creative Writing
Criminology/Criminal Justice
Culinary Arts
Cultural Non-Profit (Zoo, Museum, Aquarium, et al)
Dairy Industry
Dance/Choreography
Defense Industry
Dental Hygienist
Dentistry
Die Casting
Diplomatic Services
Directing
Drafting
Economist/Economics
Electrical Energy
Electronic Communications Technology
Electronics
Employee Benefits
Engineering
Entertainment Industry
Environmental Science
Episcopal Clergy
Equine Studies
Exhibition Marketing
Facilities Management
Film Making
Finance
Food Service, Baking
Food Service/Food Management
Foreign Affairs
Forensic Science
Forestry
Garden Center Management
Geophysics
Gerontology/Geriatrics/Elder Care
Golf Turf Management
Government Service
Graphic Communications
Hematology
History
Horticulture/Floriculture
Hotel/Motel, Restaurant and Hospitality Management
Hydrology
Illumination
Immunology
Information Systems Management (MIS)
Insurance
Interior Design
International Business
International Relations
Journalism, Sports
Journalism/Communications
Law Enforcement
Law, Corporate
Law/Lawyer/Attorney
Lawn Care/Landscaping
Library Sciences
Management Consulting
Manufacturing
Material Handling
Mathematics
Medicine/Health
Medicine/Health - Rural Areas
Meteorology
Microbiology
Microelectronics
Military
Ministry
Missionary
Modeling
Mortuary Science
Museum Studies
Music
Music, Church
National Security, National Defense
Natural Resource Management
Naval Engineering
News Media
Newspaper Administration
Nonprofit Organization/Management/Career
Nuclear Power Industry
Nursing
Occupational Therapy
Oncology, Nursing
Optician
Optometry
Paralegal
Pediatrician
Pharmacy
Photography
Photojournalism
Physical Therapy
Plastics Industry
Plumbing/HVAC
Podiatry
Psychologist/Psychology
Public Relations
Public Safety
Public Service
Publishing
Quality Control
Radio Broadcasting
Real Estate
Real Estate Appraising
Recreation
Religious Communications
Religious Vocation/Theology
Research
Research, Field
Research, Medical
Retailing
Robotics
Sales/Marketing
School Administration
School Counselor
Science
Science, Earth
Social Work/Social Services
Space Research/Science/Exploration
Special Education
Sports Medicine
Stage Management
Teaching, Professor
Teaching/Education
Textiles
Theater, Design, Production
Tobacco Farming
Transportation Industry
Travel Tourism
Veterinary Medicine
Victim/Crime/Substance Abuse Services
Waste Management
Water Works (Water Utility Management)
Wood-Based Composites Industry


Hello,
I work for a nonprofit organization that provides health insurance benefits. Unfortunately, however, I have to reimburse the organization for my nonworking spouse's insurance. I was wondering if this is common or acceptable practice for an employer to charge for a nonworking spouse's insurance.

I am trying to decide whether to approach my employer about possibly making the workplace more hospitable to employees with a family. As for now, I am the only one here who requires spousal insurance or family benefits. If anyone has any statistics or links that can help in communicating with my employer, that would be very helpful.

We are in Illinois.

Thanks!


I see daily offers for FREE GRANT MONEY for all things from medical support to paying down credit card debt to buying a car, etc. Has anyone ever applied for and received such grants as an individual? If so, where do you find those grants? Each time I look for government grants, a huge list of grants comes up and most of them are for business or nonprofit organizations, with a few dedicated to specific individuals, such as Native American people. I'm in need of paying down some huge medical bills because I got ill and did not have insurance as I am also unemployed. Can anyone provide details where to search for such grants, including help with home mortgage?


There are more health insurance companies now with a smaller pool of policy buyers (mainly because it is too expensive) and they are still making huge profits. Think back to what it was before and then give me an answer.


1.This type of "shop" only hires union members and is now illegal.
a.Agency
b.Closed
c.Open
d.Union

2.What occurred during the Free Banking Era?
a.Currency varied widely from state to state.
b.Repaying of loans was not closely monitored.
c.The Second Bank of the United States was established.
d.The dollar bill was introduced.

3.The National Banking Acts of 1863 and 1864 did NOT grant the government which of the following powers?
a.the power to issue a single national currency
b.the power to back money with precious gems
c.the power to charter banks
d.the power to require banks to hold adequate gold and silver reserves

4. Which of the following was NOT a cause of the Savings and Loan crisis of the 1980s?
a.bad loans
b.the Gold Reserve Act
c.high interest rates
d.deregulations of the industry

5.What is the purpose of the Federal Deposit Insurance Corporation (FDIC)?
a.to make sure that banks do not fail
b.to make sure that customers do not lose money if a bank fails
c.to make sure that banks charge a fair amount of interest on loans
d.to make sure that the government has enough gold to cover its expenses

5.In an agency shop, nonunion workers are hired and do not have to join the union, however they must pay union dues or similar fees and are covered by the union contract.
a.True
b.False

6.Trade union and craft union do not mean the same thing.
a.True
b.False

7.Conglomerates usually consist of companies that produce the same goods or services and compete in the same markets.
a.True
b.False

8.Nonprofit organizations are not taxed by the government.
a.True
b.False

9.Wages have decreased because competition from foreign companies has increased the demand for low-skilled workers.
a.True
b.False


The legal system affects nearly every aspect of our society, from buying a home to crossing the street. Lawyers form the backbone of this system, linking it to society in numerous ways. They hold positions of great responsibility and are obligated to adhere to a strict code of ethics.

Lawyers, also called attorneys, act as both advocates and advisors in our society. As advocates, they represent one of the parties in criminal and civil trials by presenting evidence and arguing in court to support their client. As advisors, lawyers counsel their clients about their legal rights and obligations and suggest particular courses of action in business and personal matters. Whether acting as an advocate or an advisor, all attorneys research the intent of laws and judicial decisions and apply the law to the specific circumstances faced by their clients.

The more detailed aspects of a lawyer’s job depend upon his or her field of specialization and position. Although all lawyers are licensed to represent parties in court, some appear in court more frequently than others. Trial lawyers, who specialize in trial work, must be able to think quickly and speak with ease and authority. In addition, familiarity with courtroom rules and strategy is particularly important in trial work. Still, trial lawyers spend the majority of their time outside the courtroom, conducting research, interviewing clients and witnesses, and handling other details in preparation for a trial.

Lawyers may specialize in a number of areas, such as bankruptcy, probate, international, elder, or environmental law. Those specializing in environmental law, for example, may represent interest groups, waste disposal companies, or construction firms in their dealings with the U.S. Environmental Protection Agency and other Federal and State agencies. These lawyers help clients prepare and file for licenses and applications for approval before certain activities may occur. Some lawyers specialize in the growing field of intellectual property, helping to protect clients’ claims to copyrights, artwork under contract, product designs, and computer programs. Other lawyers advise insurance companies about the legality of insurance transactions, guiding the company in writing insurance policies to conform to the law and to protect the companies from unwarranted claims. When claims are filed against insurance companies, these attorneys review the claims and represent the companies in court.

Most lawyers are in private practice, concentrating on criminal or civil law. In criminal law, lawyers represent individuals who have been charged with crimes and argue their cases in courts of law. Attorneys dealing with civil law assist clients with litigation, wills, trusts, contracts, mortgages, titles, and leases. Other lawyers handle only public-interest cases—civil or criminal—concentrating on particular causes and choosing cases that might have an impact on the way law is applied. Lawyers are sometimes employed full time by a single client. If the client is a corporation, the lawyer is known as “house counsel” and usually advises the company concerning legal issues related to its business activities. These issues might involve patents, government regulations, contracts with other companies, property interests, or collective bargaining agreements with unions.

A significant number of attorneys are employed at the various levels of government. Some work for State attorneys general, prosecutors, and public defenders in criminal courts. At the Federal level, attorneys investigate cases for the U.S. Department of Justice and other agencies. Government lawyers also help develop programs, draft and interpret laws and legislation, establish enforcement procedures, and argue civil and criminal cases on behalf of the government.

Other lawyers work for legal aid societies—private, nonprofit organizations established to serve disadvantaged people. These lawyers generally handle civil, rather than criminal, cases.

Lawyers increasingly use various forms of technology to perform more efficiently. Although all lawyers continue to use law libraries to prepare cases, most supplement conventional printed sources with computer sources, such as the Internet and legal databases. Software is used to search this legal literature automatically and to identify legal texts relevant to a specific case. In litigation involving many supporting documents, lawyers may use computers to organize and index material. Lawyers must be geographically mobile and able to reach their clients in a timely matter, so they might use electronic filing, web and videoconferencing, and voice-recognition technology to share information more effectively.




10 points to the first use-able answer (:
thanks in advance*


Michelle Rhee, the hard-charging chancellor of the Washington public schools, thinks teacher tenure may be great for adults, those who go into teaching to get summer vacations and great health insurance, for instance. But it hurtschildren, she says, by making incompetent instructors harder to fire. So Ms. Rhee has proposed spectacular raises of as much as $40,000, financed by private foundations, for teachers willing to give up tenure.

Policy makers and educators nationwide are watching to see what happens to Ms. Rhee’s bold proposal. The 4,000-member Washington Teachers’ Union has divided over whether to embrace it, with many union members calling tenure a crucial protection against arbitrary firing.

“If Michelle Rhee were to get what she is demanding,” said Allan R. Odden, a professor at the University of Wisconsin who studies teacher compensation, “it would raise eyebrows everywhere, because that would be a gargantuan change.”

Last month, Ms. Rhee said she could no longer wait for a union response to her proposal, first outlined last summer, and announced an effort to identify and fire ineffective teachers, including those with tenure. The union is mobilizing to protect members, and the nation’s capital is bracing for what could be a wrenching labor struggle.

Ms. Rhee has not proposed abolishing tenure outright. Under her proposal, each teacher would choose between two compensation plans, one called green and the other red. Pay for teachers in the green plan would rise spectacularly, nearly doubling by 2010. But they would need to give up tenure for a year, after which they would need a principal’s recommendation or face dismissal.

Teachers who choose the red plan would also get big pay increases but would lose seniority rights that allow them to bump more-junior teachers if their school closes or undergoes an overhaul. If they were not hired by another school, their only options would be early retirement, a buyout or eventual dismissal.

In an interview, Ms. Rhee said she considered tenure outmoded.

“Tenure is the holy grail of teacher unions,” she said, “but has no educational value for kids; it only benefits adults. If we can put veteran teachers who have tenure in a position where they don’t have it, that would help us to radically increase our teacher quality. And maybe other districts would try it, too.”

Ms. Rhee has significant public backing for her efforts to improve this district of 46,000 students, one of the nation’s worst-performing. Both presidential candidates lined up behind her in their final debate last month, with Senator Barack Obama calling her Washington’s “wonderful new superintendent.”

Ms. Rhee, 38, has convinced Washington that she means business since Mayor Adrian M. Fenty plucked her out of a nonprofit organization based in New York City, the New Teacher Project, and installed her in the chancellorship 17 months ago. She has fired or forced out hundreds of central office employees, principals and paraprofessionals, as well as 216 teachers who lacked licenses, her aides said.

“Fire all incompetent teachers — that makes a good sound bite,” said George Parker, the president of the Washington Teachers’ Union. “But remember that not only teachers are to blame for the problems in this district.” Mr. Parker cited a chaotic administration that has had seven superintendents in a decade and has paid little attention to problems like truancy and student discipline. “You can’t fire your way into a successful school system,” he said.

Mr. Parker said he had kept an open mind about Ms. Rhee’s proposals, which would raise star teachers’ salaries to $130,000, with bonuses, by 2010, and the two went together before several mass gatherings of teachers in July to explain them. But an August poll commissioned by the union found that teachers opposed Ms. Rhee’s proposal by three to one.

In the interview, Ms. Rhee said the raises would be financed largely by foundations that had given her commitments of $75 million a year for five years, of which a “significant portion” would go for teacher compensation.

“The foundations want to fund things that are innovative and will have national ramifications,” she said. Ms. Rhee has declined to name the foundations, however, raising worries among some teachers about the foundations’ motives and about whether their commitments would remain solid if the nation’s financial crisis were to be prolonged.

The talks have made little progress in recent weeks.


Has not been diagnosed but i think he has Alzheimer's No Insurance and he is getting worse. Does anyone know how can i get help for him. Like an nonprofit organization or something?????? Help I hate seeing him like this it breaks my heart.


I was employed by a nonprofit organization back in 2002. The employee handbook states that after three years you are veseted. I left before the three years was up, however I am still receiving statements from the insurance company. Since they did not terminate policy can I request this money is there a statue of limitations if they did not terminate the policy after so many years. I appreciate any assistance with this matter
I did not contribute any money and I think the employer has just failed to terminate the policy. I think mines just slipped through the cracks for almost 4years now.


A nonprofit organization where I worked is unhappy that I changed to a different agency and is making a noisy point of opening medical insurance documents that go to my old address. There is no possibility of a mistaken peek -- my old supervisor encloses notes when he forwards the stuff. I've tried a personal warning but it's clear they need to be spanked. Do I start complaints at the federal, state or local level, or all three? Which agencies?


1. There isn't a single government agency that runs efficiently; do we really want an organization that developed the U.S. Tax Code handling something as complex as health care?
2. "Free" health care isn't really free since we must pay for it with taxes; expenses for health care would have to be paid for with higher taxes or spending cuts in other areas such as defense, education, etc.
3. Profit motives, competition, and individual ingenuity have always led to greater cost control and effectiveness.
4. Government-controlled health care would lead to a decrease in patient flexibility.
5. Patients aren't likely to curb their drug costs and doctor visits if health care is free; thus, total costs will be several times what they are now.
6. Just because Americans are uninsured doesn't mean they can't get health care; nonprofits and government-run hospitals provide services to those who don't have insurance, and it is illegal to refuse medical service because of a lack of insurance.
7. Government-mandated procedures will likely reduce doctor flexibility and lead to poor patient care.
8. Healthy people who take care of themselves will have to pay for the burden of those who smoke, are obese, etc.
9. A long, painful transition will have to take place involving lost insurance industry jobs, business closures, and new patient record creation.
10. Loss of private practice options and possible reduced pay may dissuade many would-be doctors from pursuing the profession
11. Malpractice lawsuit costs, which are already sky-high, could further explode since universal care may expose the government to legal liability, and the possibility to sue someone with deep pockets usually invites more lawsuits.
12. Like social security, any government benefit eventually is taken as a "right" by the public, meaning that it's politically near impossible to remove or curtail it later on when costs get out of control.
Scorch, there is a lot they are not telling you. Of course we will still pay for it.


He claimed to not take any, but his record in the Senate tells another story:

From the Boston Globe:
A Globe review of Obama's campaign finance records shows that he collected hundreds of thousands of dollars from lobbyists and PACs as a state legislator in Illinois, a US senator, and a presidential aspirant.

In Obama's eight years in the Illinois Senate, from 1996 to 2004, almost two-thirds of the money he raised for his campaigns -- $296,000 of $461,000 -- came from PACs, corporate contributions, or unions, according to Illinois Board of Elections records. He tapped financial services firms, real estate developers, healthcare providers, oil companies, and many other corporate interests, the records show.

Obama's US Senate campaign committee, starting with his successful run in 2004, has collected $128,000 from lobbyists and $1.3 million from PACs, according to the Center for Responsive Politics, a nonprofit organization that tracks money in politics. His $1.3 million from PACs represents 8 percent of what he has raised overall. Clinton's Senate committee, by comparison, has raised $3 million from PACs, 4 percent of her total amount raised, the group said.

In addition, Obama's own federal PAC, Hopefund, took in $115,000 from 56 PACs in the 2005-2006 election cycle out of $4.4 million the PAC raised, according to CQ MoneyLine, which collects Federal Election Commission data. Obama then used those PAC contributions -- including thousands from defense contractors, law firms, and the securities and insurance industries -- to build support for his presidential run by making donations to Democratic Party organizations and candidates around the country.
Well, the others have ADMITTED to taking money from lobbyists, isn't it better to just tell the truth? I don't support Hillary either, I just want to see if others have looked as closely as these people running as I have tried to do, we are pretty much out of luck this election!
I don't know about Ron Paul BUT shouldn't Obama be clear on his record?
wow Jessica you are smart, I am glad you shared all of that, I was looking at his Senate record, I just fingured he hadn't excepted soft money while running during this election for President, BUT you proved otherwise! Thanks....





I have been mulling over the idea of having weight loss surgery. I am at least 100 lbs overweight and live every day of my life in pain from arthritis in my knees, ankles, and hips. The problem is, lapband surgery is $10,000, and gastric bypass is more. I work for a small nonprofit organization which is not capable of offering health insurance to its employees. Which means that any surgery I get I have to find assistance with or pay for out-of-pocket. As my job is with a nonprofit organization, by definition, I don't make a lot of money. : ) Any ideas?


I got an assistantship to grad school, so school is free with a $10,000 a year stipend and health insurance, I just have to teach 2 intro courses. However, my degree will be in communication and I'm more interested in Public Relations. The degree is a full two year program with summer's off. And the real kicker is, I recently got a job offer working for a nonprofit in PR (exactly what I want to do... for an organization I really believe in..). Should I just tough out graduate school? I mean I love learning and I thought graduate school was what I wanted... And I think it'd be fun to teach.... Two years is a long time though, and two years experience could be helpful too.... but graduate school would probably be more valuable down the line. ACCCKKK!!!!! HELP!!!!!!
thanks so much for all of your answers...

Just to clarify,

I did just graduate in May from college.

And I think what makes it so hard for me personally is that I'm just ready to move on with my life. I'm getting married in less than a year and my fiance already has a job... with a salary... and i'm jealous. I want to start thinking about buying a house and other such grown-up type things like my friends who graduated with me will be. Living like a student for two more years isn't that appealing... If that makes any sense at all...


My sister has an ok job with a nonprofit organization that doesn't offer health insurance, and her husband is in retail with the same situation. She doesn't qualify for Healthy NewYork because of her income (it's too high), but once she has the baby, he/she will get coverage. Does she have to just suck up her medical costs, or are there other options? How have other mothers paid for their prenatal visits and hospital costs without insurance?